Frontwave Credit Union
Popular Accounts at this Credit Union
| APY | ACCOUNT TYPE | HOW THEY COMPARE |
|---|---|---|
| 2.65% | 5-year CD | |
| 2.65% | 5-year IRA | 2.23% - National Average |
| 0.80% | 1-year CD | 1.30% - National Average |
Frontwave Credit Union is headquartered in Oceanside and is the 57th largest credit union in the state of California. It is also the 370th largest credit union in the nation. It was established in 1952 and as of September of 2018, it had grown to 258 employees and 86,124 members at 13 locations. Frontwave Credit Union's CD rates are 17% higher than the national average, and it boasts an A+ health rating.
Field of Membership Restrictions
Frontwave Credit Union is open to those who reside, worship, or work in San Bernadino, Riverside, or San Diego counties, and to the immediate family of current credit union members.
See current membership details
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A great local credit union
Back when I used to live in California, they had a branch out in Barstow, CA. It was an extremely big building and welcoming. It was also very professional looking, though they had more tellers than necessary at most times. The staff would always greet you with a smile and if you had an issue with filling out paperwork they were happy to help or send me to the appropriate department. I wasn't sure what the tellers were capable of since I was young, but they're very nice to those new to banking. The interest rates for just about anything beat the major banks out there. The one thing they were a decade behind on was an online presence. It looks like they've improved upon that since I was last with them. Their branch is only available in California, but I strongly recommend them. If they are not available to you, they recommended us to fairwinds when we moved and their services are equal. That includes fees for things like an inactive debit card, not meeting your monthly minimum deposit, etc. Either way, it's a good place.
Guantanamo Bay Banking
San Marcos, CA
8/14/2010 As of 2009, Gitmo Bay banking run by military jarheads who have issues with civilians. Enter, wait at least 15 min. even if 5 staff are not helping any other person. Must remove all headgear. Must remove sunglasses, you terrorist suspects. Present preprinted deposit slip supplicating to make deposit. Repeat name. Repeat address. Repeat telephone number, all verbally to teller. This "proves" your identity, or that identity thieves can READ. These are on the bank's own slip already yet. Say that you have not changed your address, verbally, from that of the slip. Ditto. Provide password. ONLY THEN can you potential terrorists/thieves present cash or checks as inbound tickets. Every other bank in America, anyone can DEPOSIT to anyone's account, of themselves or others, by giving pre-existing account # and name--nothing is leaving the institution, after all. It does not take half an hour and interrogation. I shudder to think about attempting a withdrawal, an armed marine would probably have to supervise your every step.
Health Grade Components
| Overall | |
|---|---|
| NCUA # | 68494 |
| Year Chartered | 1952 |
| Employees | 258 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.63% |
| Return on Equity - YTD | 4.81% |
| Annual Interest Income | $21.6MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q3 2018vs Q3 2017 | $829.7MM$801.0MM |
| Loans | Q3 2018vs Q3 2017 | $548.9MM$518.4MM |
| Deposits | Q3 2018vs Q3 2017 | $702.4MM$674.7MM |
| Equity Capital | Q3 2018vs Q3 2017 | $109.3MM$110.4MM |
| Loan Loss Allowance | Q3 2018vs Q3 2017 | $4.6MM$4.2MM |
| Unbacked Noncurrent Loans | Q3 2018vs Q3 2017 | $1.7MM$1.4MM |
| Real Estate Owned | Q3 2018vs Q3 2017 | $0$0 |
Always verify rates and promotions with the bank or credit union. We are not Frontwave Credit Union; we are a rate comparison website and cannot provide official rates or promotions.
* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.
Frontwave Credit Union Savings Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.15% | $5 | - | Share Savings Account | |
| 0.15% | $50 | - | Individual Retirement Account |
Frontwave Credit Union Money Market Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 0.30%* | $50k* | - | Money Market | ||
| OTHER TIERS: 0.15% → $2.5k - $10k | 0.20% → $10k - $25k | 0.25% → $25k - $50k | |||||
| 0.30%* | $50k* | - | Money Market IRAs | ||
| OTHER TIERS: 0.15% → $2.5k - $10k | 0.20% → $10k - $25k | 0.25% → $25k - $50k | |||||
Frontwave Credit Union Checking Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.20% | $5 | - | Dividend Plus | |
| 0.01% | $5 | - | Business Dividend |
Frontwave Credit Union CD Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 3.25% | $100 | $500 | 3 Year Military Saver Certificates | |
| 3.00% | $100 | $500 | 3 Year Saver Certificate | |
| 3.00% | $100 | $500 | 1 Year Military Saver Certificates | |
| 2.75% | $1k | - | 3 Year Share Certificates | |
| 2.65% | $1k | - | 5 Year Share Certificates | |
| 2.40% | $1k | - | 4 Year Share Certificates | |
| 1.90% | $100 | $500 | 2 Year Military Saver Certificates | |
| 1.65% | $100 | $500 | 2 Year Saver Certificate | |
| 1.40% | $1k | - | 2 Year Share Certificates | |
| 1.15% | $100 | $500 | 6 Month Military Saver Certificates | |
| 1.05% | $100 | $500 | 1 Year Saver Certificate | |
| 0.90% | $100 | $500 | 6 Month Saver Certificates | |
| 0.80% | $1k | - | 1 Year Share Certificates | |
| 0.65% | $1k | - | 6 Month Share Certificates |
Frontwave Credit Union IRA Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 2.75% | $1k | - | 3 Year IRA Share Certificate | |
| 2.65% | $1k | - | 5 Year IRA Share Certificate | |
| 2.40% | $1k | - | 4 Year IRA Share Certificate | |
| 1.40% | $1k | - | 2 Year IRA Share Certificate | |
| 0.80% | $1k | - | 1 Year IRA Share Certificate | |
| 0.65% | $1k | - | 6 Month IRA Share Certificates |
